<div class="css-53u6y8"><p class="css-at9mc1 evys1bk0">A majority of insurance companies in California have agreed to pay at least 75 percent of the contents coverage for homes that were destroyed in the recent Los Angeles wildfires — and will do so without requiring homeowners to provide an inventory of every object that was inside.</p><p class="css-at9mc1 evys1bk0">The pledges are in response to a request last month by the state’s insurance regulator for companies to pay up to 100 percent of the coverage without requiring victims to submit a room-by-room, shelf-by-shelf and drawer-by-drawer list of objects lost in the flames. The regulator revealed the responses from more than 60 companies on Thursday.</p><p class="css-at9mc1 evys1bk0">Though many victims will now get some relief, State Farm, which insures more homes in California than any other company, was among the companies that declined the request.</p><p class="css-at9mc1 evys1bk0">“The fact that State farm will not pony up is a huge problem, because they have 20 percent of the market. That’s deeply problematic,” said Douglas Heller, the director of insurance at the Consumer Federation of America.</p></div>

<div class="css-53u6y8"><p class="css-at9mc1 evys1bk0">In an emailed statement, State Farm spokesman Justin Tomczak wrote: “Advancing full policy limits with no inventory can lead to payments that exceed actual losses, raising the price of insurance for all California customers. State Farm handles contents inventory advances in accordance with California law.”</p><p class="css-at9mc1 evys1bk0">Other major national insurers, including Allstate Insurance Company, the Liberty Mutual Group and Travelers Group, also rejected the regulator’s appeal. Collectively, the companies that refused to pay without itemization insure over 39 percent of homes in California, according to data from the California Department of Insurance’s 2023 report on market share.</p><div class="css-1336jj"><div class="css-121kum4"><div class="css-asuuk5"><noscript><div class="css-7axq9l" data-testid="optimistic-truncator-noscript"><svg width="24" height="24" viewBox="0 0 24 24" aria-hidden="true" class="css-1b5b8u1"><path fill="currentColor" fill-rule="evenodd" d="M2.5 12a9.5 9.5 0 1 1 19 0 9.5 9.5 0 0 1-19 0Zm8.5 1.75v-7.5h2v7.5h-2Zm0 2v2h2v-2h-2Z" clip-rule="evenodd"></path></svg><div data-testid="optimistic-truncator-noscript-message" class="css-6yo1no"><p class="css-3kpklk">We are having trouble retrieving the article content.</p><p class="css-3kpklk">Please enable JavaScript in your browser settings.</p></div></div></noscript><div class="css-1dv1kvn" tabindex="-1"><hr><p>Thank you for your patience while we verify access. If you are in Reader mode please exit and&nbsp;<a href="https://myaccount.nytimes.com/auth/login?response_type=cookie&amp;client_id=vi&amp;redirect_uri=https%3A%2F%2Fwww.nytimes.com%2F2025%2F03%2F06%2Frealestate%2Fcalifornia-fires-insurance-state-farm.html&amp;asset=opttrunc">log into</a>&nbsp;your Times account, or&nbsp;<a href="https://www.nytimes.com/subscription?campaignId=89WYR&amp;redirect_uri=https%3A%2F%2Fwww.nytimes.com%2F2025%2F03%2F06%2Frealestate%2Fcalifornia-fires-insurance-state-farm.html">subscribe</a>&nbsp;for all of The Times.</p><hr></div><div class="css-1g71tqy"><div data-testid="optimistic-truncator-message" class="css-6yo1no"><p class="css-3kpklk">Thank you for your patience while we verify access.</p><p class="css-3kpklk">Already a subscriber?&nbsp;<a data-testid="log-in-link" class="css-z5ryv4" href="https://myaccount.nytimes.com/auth/login?response_type=cookie&amp;client_id=vi&amp;redirect_uri=https%3A%2F%2Fwww.nytimes.com%2F2025%2F03%2F06%2Frealestate%2Fcalifornia-fires-insurance-state-farm.html&amp;asset=opttrunc">Log in</a>.</p><p class="css-3kpklk">Want all of The Times?&nbsp;<a data-testid="subscribe-link" class="css-z5ryv4" href="https://www.nytimes.com/subscription?campaignId=89WYR&amp;redirect_uri=https%3A%2F%2Fwww.nytimes.com%2F2025%2F03%2F06%2Frealestate%2Fcalifornia-fires-insurance-state-farm.html">Subscribe</a>.</p></div></div></div></div></div></div>

Most insurance companies will not require policyholders to itemize lost belongings, though some major companies, including State Farm, have refused.{ai:summary}<p>Most California insurance companies have agreed to pay at least 75% of contents coverage for homes lost in recent wildfires without requiring detailed inventories from homeowners. This follows a request from the state’s insurance regulator.</p><p>However, State Farm, which holds a significant market share, declined the request, raising concerns about the impact on policyholders. Other major insurers also refused to comply, collectively covering over 39% of California homes. #society</p>